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As has been pointed out many, many times already, players cannot take your credits, ever. There are, in Achaea, exactly 3 people who can, all of them full-time employees. Those employees never, ever do so unless credit card fraud is involved.
As for snooping tells, sure, it's possible (though fairly difficult), though it's also possible to ensure you cannot be snooped except for a Creator-level God.
--matt
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